Insurance is part of the foundation of a complete financial security plan. It helps protect you and your family in the event of death, a disability or critical illness. While you're still living, some life insurance policies can build tax-advantaged cash value which can be drawn upon1 to help you achieve goals, such as buying a house or retiring comfortably. To help meet your financial security planning needs, we have access to a broad range of insurance products. These products are designed to meet the diverse needs of individuals, families, professionals, executives, business owners and employees, including the needs of part-time and seasonal workers.
1If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.
Critical illness insurance can help reduce financial stresses at a critical time in your life, and can complement disability and life insurance protection needs. It offers you and your family – as well as your business – the financial resources to help pay for additional expenses often associated with a critical illness or condition.
The advantages of critical illness insurance include:
We can help you determine if critical illness insurance fits into your financial security plan. Contact to find out more about critical illness insurance.
Disability insurance can help protect one of your most valuable assets – your income.
Your income helps you maintain current financial obligations (e.g. mortgage payment, monthly bills, grocery purchases) and your financial security plan (e.g. children’s education planning and your retirement goals). What would happen to these things, like your home, if you no longer had that income stream?
We have access to disability insurance products designed to help address your needs and help protect your ability to earn an income – something that could be jeopardized if disability strikes.
The advantages of disability insurance include:
Contact to find out more about helping to protect your income and the importance of disability insurance to your financial security plan.
If you’re not covered under a group benefits plan, we can help you access individual health and dental plans designed to help cover out-of-pocket medical and dental expenses. These plans provide various levels of enhanced healthcare protection to help meet your needs at different stages of your life.
Contact to find out more about enhanced healthcare protection for you and your family.
Life insurance helps to create security for you and your family. When you die, it can be used to pay final expenses and debts, and provide an income for your family.
The advantages of life insurance include:
We have access to a wide variety of life insurance options to help meet the needs identified in your financial security plan. We can help you select coverage that’s right for you.
Contact to find out more about how life insurance can play a vital role in your financial security plan.
1Creditor protection depends on court decisions, which can be subject to change and can vary from each province; it can never be guaranteed. Talk to your lawyer to find out more about the potential for creditor protection.
2If the accumulation stays within prescribed limits, the cash value is only subject to income tax when it’s withdrawn.
Contact me today to learn more!